Disability is not a barrier to homeownership. The key is building the right team, saving up money, managing your debts (money you owe), tapping into special programs, and being flexible. Of course, it’s easier if you have more money, but there are options for almost everyone if you are focused, patient, and willing to compromise.

As you figure out how to buy a home, it's important to learn the difference between things you can control and things you cannot control.

Things you can control

Deciding whether to rent or own

Deciding where to live

Saving money

Managing your money

Handling credit problems

Finding new income sources

Choosing your real estate team

Things you cannot control

Home prices

Interest rates

Loan programs

Down-payment programs

Government benefits

This article will give you more information about how to take charge of what you can control and take advantage of the things you can’t control.